ClearPath · AI for Mortgage Brokers · The mortgage layer in the UK property chain

AI agents that run mortgage
origination, end to end.

The mortgage step in every UK property transaction. For brokers and lenders. Application to offer in days, not weeks. Ten specialist AI agents run the complete origination — fact-find, affordability, DIP, suitability, submission, valuation, offer, completion handoff. Every task executed. Every decision approved by you.

Book a demo See all 10 AI agents
app.clearpath.ai/lend · Origination Control

Good afternoon, Sarah — 12 specialist AI agents running

Search applications, clients, lenders… ⌘K
Active
applications
↑ 6
37
vs 31 last week
DIPs
this week
↑ 22%
14
12 approved · 2 declined
Avg days
to offer
↓ 81%
7d
vs 38d UK industry avg
Fees
pipeline
↑ 18%
£42k
MTD · 21 completions
3 decisions waiting 1 suitability sign-off · 1 income query · 1 valuation re-instruct Review all →
Ref Applicant & property Agent active Status
CL-2418
Ahmed & Priya Malik
Flat 4 Harbour View, Brighton · 5yr fix
 Suitability
14 lenders matched
CL-2415
Daniel Okafor
The Old Mill, Clifton · BTL · 2yr fix
 Risk & Fraud
⚠ Bank change · 2d
CL-2419
Sanjay Patel
3 Orchard Lane, Oxford · Remortgage
 Submission
Lloyds · underwriting
CL-2422
Mairead Reilly
22 Victoria Road, Manchester · FTB
 DIP Orch.
Halifax 4.18% · accepted
CL-2410
James & Laura Whitcombe
12 Greenway Close, Bristol · 5yr fix
 Completion
Offer · funds 16 May
Showing 5 of 37 active · sorted by last agent action
View all 37 →
10
Specialist
AI agents
4–8w → days
Application to offer
turnaround
200+
UK lenders
integrated
5,500+
UK brokers in
the network

In partnership with leading UK brokers and lenders

MAB
Connells M.S.
Lloyds
NatWest
John Charcol
L&C
The Problem · UK Mortgage Origination in 2025

Every application starts blind.

UK mortgage brokers are the orchestrators of a workflow they can't see — 5,500 firms feeding applications into 200+ lender systems with no shared data layer, no real-time DIP, and no unified audit trail. In a market where 1 in 3 applications never reach completion.

Drop-off · the headline number
30.2%

Of UK mortgage applications collapse before completion.

Each drop-off costs the broker their procuration fee, the lender a funded loan, and the consumer six months of wasted effort. ~£4.2B in lost broker fees and lender margin every year — absorbed by the firms that did all the work.

~£75B in dropped applications annually UK industry · 2025
Lenders
200+

UK lenders. Each with its own portal, criteria engine, and document requirements. None of them on the same data layer.

Portal load
6+

Lender portals the average broker hops between daily. Same applicant data, re-keyed six times — by hand.

Time
4–8w

Average UK application-to-offer turnaround. Document chase alone takes 2–3 weeks of broker time per case.

The 10-stage origination workflow 3 typical break-points
01Fact-find
02Affordability
03ID & KYC
04CRA report
05DIP
06Documents
07Suitability
08Submission
09Valuation
10Offer
Connected by email, PDF and lender portals
Typical break-point — drop-off risk
The opportunity

One application. One platform. One audit trail. Every party — broker, lender, consumer — running on the same data.

£4.2B
Lost UK origination revenue per year
A complete platform

One platform for UK mortgage origination, end to end.

Ten agents that execute the analytical and procedural work. Configurable workflows that orchestrate them. Continuous integration with every UK lender and every UK broker firm.

Affordability
Open Banking
running
DIP Orch.
14 lenders matched
running
Documents
8 pulling
running
Suitability
2 drafting
review

Ten specialist AI agents.

Each agent owns a specific stage of UK mortgage origination — affordability, identity, DIP, suitability, lender matching, submission, valuation. Reasoning models trained on UK regulation. Built for FCA Consumer Duty by default.

Explore all 10 AI agents
Application workflow · CL-2418● live
Intake
Day 0
Affordability
Day 0
DIP
Day 0
Suitability
Day 1 · now
Documents
Lender Match
Submission
Completion

Configurable origination workflows.

Application intake, affordability, DIP orchestration, suitability, lender submission, valuation, completion handoff — built and orchestrated visually. No code. Every step audited. Every decision explainable.

See workflows
Three generations of mortgage technology

Every broker is at Gen 2.
Gen 3 just arrived.

01
Pre-2020 · Digitisation

CRMs replaced paper. Brokers still did everything.

Mortgage sourcing tools, CRM databases, lender portals. Technology organised the work — applications, criteria, status checks. The broker still wrote every fact-find, chased every document, re-keyed every application into every lender portal.

CRMs · Sourcing tools · Lender portals
02
2020–2025 · AI assistance

AI helped faster. Brokers still decided everything.

Open Banking, e-ID, document OCR, partial fact-find automation. Faster and more accurate — but still producing data for the broker to interpret. The broker assessed every affordability case, drafted every suitability letter, submitted every application by hand.

Open Banking · Affordability AI · Chatbots
Live
03
2026 → · Agentic AI

Specialist AI agents execute. Brokers approve.

Specialist AI agents reason across applicant data, run the full FCA-aligned origination workflow, draft the suitability rationale, match to lender criteria, submit directly. The professional approves. The AI agents do everything else.

ClearPath · AI for Mortgage Brokers
Where the mortgage layer fits

Three verticals. One compliance layer. One platform.

01 · Estate agent
ClearPath
AI for Estate Agents
Listing → buyer
offer accepted
You are here
02 · Mortgage
ClearPath
AI for Mortgage Brokers
Origination →
mortgage offer
03 · Conveyancer
ClearPath
AI for Conveyancers
Exchange →
HMLR registered
All three run on
The foundation layer
04 · Compliance
ClearPath
Compliance AI Platform
AML · KYC · KYB · Sanctions · Source of funds · Perpetual KYC · runs underneath all three verticals

One canonical data layer across all three verticals. Compliance — KYC, AML, sanctions, source of funds — runs underneath, shared between Estate, Mortgage and Conveyancing. No re-keying. The chain stays connected from listing to HMLR registration.

How agentic AI works

Not a chatbot.
Not autocomplete.
AI that decides and does.

Most "AI" you've seen so far is a tool. You type a prompt, it writes back. You sit in the driver's seat — it just makes you slightly faster.

Agentic AI works differently. Each agent is a specialist with a defined job, a clear goal, the rules of UK mortgage origination, and authority to take action. It perceives what's changed in your applicant data, decides what should happen next, executes the work, and reports the outcome — continuously, 24 hours a day, without being asked.

On ClearPath, 10 specialist AI agents — each trained on UK mortgage regulation (FCA Consumer Duty, MCOB, Open Banking, AML, lender criteria) — run alongside your human team. The AI agents do the work. Your advisers approve the decisions and own the client relationships.

This is software that finally works the way you'd hire a person to work.

01
Step one

Perceive

The agent continuously watches your applicant data, your lender feeds, your client comms, and your firm's compliance state — looking for signals that matter.

e.g. Affordability Agent detects a salary anomaly in Open Banking — 3 months running below declared income.

02
Step two

Decide

It reasons against the rules of UK mortgage origination, your firm's policies, FCA Consumer Duty, and the specific situation — and chooses the right course of action.

e.g. Decides: re-verify income with payslips, recompute disposable, flag to broker before submission if material to suitability.

03
Step three

Act

It executes the work — drafting suitability rationales, requesting documents, updating the application file, submitting to lenders, replying to applicants. The actual job, not a suggestion.

e.g. Drafts the income query in plain English, queues 2 outbound messages to the applicant, updates the file, pauses submission.

04
Step four

Report

It logs what it did, why, and what changed — and surfaces any decisions that need your approval before going out. Every step audit-grade by default.

e.g. "Income query sent. Awaiting payslips from applicant. Suitability paused. Two minutes of your time."

Running right now, 24/7
on every application, every applicant, every lender
The 10 AI agents

Every stage of mortgage origination. Executed by AI agents.

Each agent knows the exact rules, regulations, lender criteria and process for its specific task in UK mortgage origination — FCA Consumer Duty, MCOB, Open Banking, CRA reports, lender criteria. Designed by mortgage specialists who have done exactly this work.

01CORE

Intake Agent

Conducts the applicant fact-find. Captures personal details, employment, income, expenditure, dependants, deposit source. Structured, regulatory-grade, captured once.

02CORE

Affordability Agent

Real-time affordability via Open Banking. Reads 12 months of transactions. Calculates true income, committed expenditure, lifestyle costs. Eliminates manual income verification.

03CORE

Identity & KYC Agent

Biometric ID + AML + sanctions screening. Connected to ClearPath · Compliance AI. UK DIATF certified. Source of funds verified before submission.

04CORE

DIP Orchestration Agent

Generates a Decision in Principle in minutes. Multi-lender criteria matching across 200+ lenders. Live affordability rules, live LTV bands, live rate sheets.

05CORE

Document Agent

Auto-collects payslips, bank statements, deposit evidence, ID documents, employer references. Validates, redacts, packages. No more email chase.

06CORE

Suitability Agent

Consumer Duty-compliant suitability assessment. Reasons across applicant goals, term, repayment type, fees, exit strategy. Audit-grade rationale, every time.

07CORE

Lender Matching Agent

Matches the applicant to the optimal lender from a 200+ lender panel. Live criteria, live rates, live retention deals. Ranks by total client outcome.

08CORE

Submission Agent

Submits the full application package directly to the chosen lender. No portal-hopping, no re-keying. Tracks lender requirements, raises queries, manages info requests.

09

Valuation Agent

Coordinates property valuation. Connects to surveyors, lenders, AVMs. Flags down-valuations early. Hands off cleanly to the conveyancing chain.

10CORE

Completion Handoff Agent

Hands the offer cleanly to ClearPath · AI for Conveyancers. Maintains the unified data layer across the property chain. The chain stays connected end-to-end.

Day-one install · no migration

Connects to every UK lender you use.

ClearPath integrates with every UK lender on your panel — high-street banks, building societies, specialist and bridging lenders. Two-way sync with live criteria, live rate sheets, and live application status.

Plus the data partners you rely on for affordability, identity, credit, valuation and compliance. No re-keying. No portal hopping. No manual rate sheets.

  • Day-one install — 30-minute OAuth setup, no migration project
  • Two-way sync — applications, criteria, rates and status stay in lockstep with lender systems
  • Enterprise-grade from day one — SSO, SCIM, full API access, audit trail
S
Santander
Two-way · live
✓
L
Lloyds
Two-way · live
✓
N
NatWest
Two-way · live
✓
H
Halifax
Two-way · live
✓
N
Nationwide
Two-way · live
✓
H
HSBC
Two-way · live
✓
B
Barclays
Two-way · live
✓
C
Coventry BS
Two-way · live
✓
Plus Skipton, Yorkshire BS, Aldermore, Kensington, Precise & 195 more lenders See full integration list →
Data & service partners
Open Banking Experian Equifax HMLR NPTN Companies House ClearPath · Compliance AI
The maths · typical UK broker firm

Pays for itself in weeks, not quarters.

For a typical 5-adviser UK mortgage firm writing 30 applications a month, ClearPath pays back in days — then keeps paying back, every month, on every application.

Scenario
5-adviser independent broker · 30 applications / month
5 advisers 360 apps/yr 0.4% proc fee £240k avg loan
Platform cost
£745/mo
Professional tier · 5 seats at £149 each
Application fees
£1,470/mo
30 apps × £49 per app avg
All-in cost
£2,215/mo
£26.6k a year · all 10 AI agents running
Fees recovered
£278k/yr
Drop-off 30% → 8% on 360 apps
Payback period
35 days
Calculate for your firm

Based on UK industry averages: 30%+ application drop-off · £240k avg loan · 0.4% avg procuration fee. Your savings will vary — book a 30-minute call and we'll model it on your last 12 months of completions.

Our customers · Northgate Mortgage Advisers

In our first 90 days with ClearPath, average time-to-offer dropped from 38 days to 9 days. My advisers stopped chasing documents and started writing 2× the applications. We earned an extra £312k in procuration fees we'd have lost to drop-off.

ClearPath isn't software my team uses. It's a team of specialist AI agents working alongside them — drafting suitability rationales, submitting to lenders, answering client questions at 11pm on a Sunday.

DN
David Northgate
MD · Northgate Mortgage Advisers · 8 advisers, Manchester
90-day results Live · audited
↓
76% · 38d → 9d
Time from application to mortgage offer · 76% faster
↑
2.1× more apps
Applications per adviser per month · admin eliminated
£
+£312k
Recovered procuration fees in 6 months · drop-off 30% → 8%

Want to see what this could look like at your firm? Book a 20-minute demo — we'll model it on your last 12 months of completions.

Real-time affordability

Affordability via Open Banking. Verified, not declared.

OB
Affordability Agent
CL-2418 · A. & P. Malik
verified
Verified income
£8,420/m
3 sources cross-verified
Committed
£2,180/m
Loan + cards + utilities
Lifestyle
£3,140/m
12-month average
Disposable
£3,100/m
Pre-mortgage
Max borrowing across panel
4.7× income
£0£395k£500k
Drafted in 2m 14s · Open Banking · 12-month readView transactions →

Income, expenditure and lifestyle — read directly from the source.

No payslips chased. No expenditure forms estimated. The Affordability Agent reads 12 months of bank transactions through FCA-authorised Open Banking and produces a verified affordability picture — income, committed credit, lifestyle costs, disposable income — in minutes.

It then maps that picture against every UK lender's affordability calculator simultaneously, ranking the maximum borrowing each lender will offer, with the broker's commentary attached. No spreadsheets. No per-lender re-keying.

  • FCA-authorised Open Banking read · 12 months
  • Cross-verified against payslips and CRA report
  • Live affordability against 200+ lender calculators
  • Anomaly flags · gambling, undisclosed credit, irregular income
DIP Orchestration

Multi-lender DIP in minutes, not days.

Every lender. In parallel.

The DIP Orchestration Agent runs the verified application against every UK lender's criteria engine simultaneously — affordability, LTV, term, employment type, deposit source, credit profile. It surfaces the lenders who will lend, the rates they'll lend at, and the conditions they'll attach.

No more soft-search by hand. No more re-keying into seven sourcing tools. The broker reviews, recommends, and submits directly — every lender ranked by total client outcome, not just headline rate.

DIP
Lender Matching · Live
14 lenders · 78% LTV · £340k · 5yr fixed
matching
SAN
Santander · 5yr fixed
Max £388k · No EC fees · Free val.
4.21%
Best fit
HFX
Halifax · 5yr fixed
Max £372k · £999 product fee
4.18%
match
NAT
NatWest · 5yr fixed
Max £395k · £1,495 fee
4.15%
match
NWD
Nationwide · 5yr fixed
Max £368k · 90 day rate hold
4.24%
match
HSB
HSBC · 5yr fixed
Affordability · stretches over term
Declined
14 lenders matched · DIP drafted in 3m 02s
Built for both sides of the UK mortgage market

One platform.
Two kinds of operator.

ClearPath is built for independent broker firms writing their first 30 applications a month — and for the largest UK lenders processing thousands daily. Same AI agents. Same data layer. Different stories.

For broker firms

Submit faster. Win more business. Eliminate the chase.

For solo, multi-adviser and ambitious independent broker firms. Stop drowning in admin. Go back to writing mortgages.

38d → 9d
Application to offer
30% → 8%
Drop-off rate
2× more
Apps per adviser
How it works for you

A single workflow that runs every stage of every application — from fact-find to mortgage offer — without re-keying into six lender portals, chasing documents by email, or drafting suitability rationales by hand.

AI handles the Open Banking affordability read, the DIP orchestration, the suitability rationale, and the client communication 24/7. Your advisers go back to what they do best — advising clients, winning referrals, building relationships.

5
Typical broker profile
2–25 advisers · 100–800 apps/yr · network or directly-authorised
  • Single client workflow across 200+ lenders
  • Real-time DIP across the full lender panel
  • Consumer Duty-compliant suitability rationale, drafted automatically
  • Direct submission — no portal-hopping, no re-keying
  • Connected to Comply (KYC) and Transact (conveyancing)
Our customers Talk to broker sales
Northgate Advisers Pembury Group Marsden Mortgages Cedar Mortgages
For lenders

Better applications. Lower cost. Every UK broker.

For high-street banks, building societies, specialist and bridging lenders. Stop drowning in inconsistent applications.

5,500+
UK brokers integrated
↓ 38%
Processing cost
100%
Audit-ready by default
How it works for you

One integration point to every UK broker — with applications that arrive complete, verified, and decision-ready. Pre-validated affordability via Open Banking, document packages already verified, Consumer Duty-compliant suitability already done.

Decisioning data structured to your criteria. Application quality you can underwrite at speed. Reach 5,500 brokers without onboarding each one.

∞
Typical lender profile
High-street banks · building societies · specialist & bridging · 1k–50k apps/mo
  • Single integration to 5,500 UK brokers
  • Pre-validated affordability, ID and document packages
  • Consumer Duty-compliant suitability provided
  • Real-time application status feedback to brokers
  • White-label option for in-house broker channels · full API
Our customers Talk to lender sales
Santander NatWest Halifax Coventry BS
Client communication

Client questions answered. Twenty-four hours a day.

AM
Ahmed Malik · CL-2418
Client Communication Agent active
23:11
Hi — has my DIP come back yet? Worried we'll lose the property 😬
23:11 ✓✓
Hi Ahmed — good news. I've matched you to 14 lenders. Santander is the best fit at 4.21% for the 5-year fix, max borrowing £388k. Sarah will confirm tomorrow morning. Friday exchange is on track. 👍
ClearPath Agent · 47 seconds
Amazing thank you 😊
23:13 ✓✓
WhatsApp · Read receipt logged · Agent log writtenView thread →

Replies in seconds, not days.

Clients ask questions at 11pm on a Sunday. The Client Communication Agent answers instantly, accurately, in plain English — on WhatsApp, SMS, email or your client portal. It only answers what it knows from the application file. It escalates anything regulated, anything sensitive, anything material.

The broker stays in the loop. Every conversation is logged, every read receipt confirmed, every escalation queued for review. The client gets answers. The broker gets back their evenings.

The category-defining capability

The first platform that runs origination — not just supports it.

Every existing mortgage platform stops at the data — sourcing, fact-find, lender criteria. ClearPath takes the regulatory framework, the verified applicant data, the live lender criteria, and produces the suitability decision a broker used to write from scratch. Cited. Auditable. Reproducible. No equivalent exists.

2hr → 2min
Suitability rationale
vs ClearPath
100%
Decisions cited
and auditable
∞
Re-runs
per applicant
SA
Suitability Agent · Decision draft
CL-2418 · A. & P. Malik · Drafted 2m 38s · Awaiting broker approval
review
Applicants
Ahmed & Priya Malik
Property
Flat 4 Harbour View, Brighton · £425k
Recommended
Santander · 5yr fix · 4.21%
Reasoning steps
17 steps · 4 sources cited

"Recommendation: Santander 5-year fixed at 4.21%, capital & interest, 28-year term. Affordability verified via Open Banking — disposable income £3,100/m, comfortable against £1,675/m repayment. Joint applicants in stable employment (4y & 6y), CRA report clean. 5-year fix selected over 2-year — applicants prioritised payment certainty (Consumer Duty target market match: stability-seeking first-time-buyer cohort). Total 5-year cost £109,425 lower than next-cheapest comparable lender (Halifax) once £999 product fee considered. Source of deposit verified — gifted equity from sale of A. Malik's previous property, May 2025."

17-step reasoning · sources cited · audit trail logged
The connected ecosystem

The mortgage layer doesn't run alone. It runs the chain.

ClearPath · AI for Mortgage Brokers connects natively to the other products in the ClearPath AI Operating System — sharing the same canonical data layer, the same client record, the same audit trail. When the compliance check completes, the mortgage application already has the verified client. When the mortgage offer issues, the conveyancer starts work. No re-keying. No lost paperwork. No broken chains.

ClearPath · Compliance AI

AI agents that run compliance.

AML, KYC, KYB, sanctions, perpetual KYC — fully automated for UK regulated firms across all three verticals.

clearpathcomply.app
ClearPath · AI for Estate Agents

AI agents that run estate agency.

Listing → vendor → applicant → offer → chain. Every stage automated end to end.

clearpathestate.app
ClearPath · AI for Conveyancers

AI agents that run conveyancing.

Instruction → exchange → completion → HMLR registration. 32 specialist AI agents.

clearpathtransact.app
Looking for the full platform? Visit clearpathgroup.ai
Built by veterans of UK regulated tech

The team that built UK compliance tech. Now one generation ahead.

The founders of ClearPath have spent the last quarter-century building digital onboarding, compliance and conveyancing platforms for UK regulated firms — bringing thousands of brokers, lenders and law firms onto the previous generation of technology. ClearPath · AI for Mortgage Brokers is the agentic generation that follows: AI that runs the work, not just the workflow.

1,500+
UK regulated firms onboarded
across prior ventures
25+
Years of UK regulated
tech leadership
UK
Born and built
for UK regulation
Pricing

Subscription + per-application. Pay for what you originate.

Predictable per-seat subscription, transparent per-application fee. Built for solo advisers all the way to the largest broker firms and lenders. 14-day free trial — cancel any time.

Essentials
£79
per seat, per month
+ from £39 per application

For solo advisers and small broker firms.

  • ·Up to 50 applications/month
  • ·6 core agents
  • ·AML / KYC via ClearPath · Compliance AI
  • ·Open Banking affordability
  • ·Standard lender panel
  • ·Client communication 24/7
  • ·1 CMS integration
Start free trial
Most popular
Professional
£149
per seat, per month
+ from £49 per application

For network firms and full broker organisations.

  • ·Unlimited applications
  • ·All 10 AI agents · full platform
  • ·Full 200+ lender panel
  • ·Multi-lender DIP orchestration
  • ·Suitability rationale agent
  • ·Comply + Transact handoff included
  • ·Pipeline visibility, whole firm
  • ·Priority support
Book a demo →
Enterprise
POA
custom per-application pricing
+ volume discounts

For lenders, banks, and the largest broker groups.

  • ·Unlimited applications
  • ·All 10 AI agents · full platform
  • ·White label · firm branding
  • ·Bespoke workflow configuration
  • ·Full API access
  • ·Lender panel custom integrations
  • ·Dedicated account management
Talk to sales

Volume pricing available on Professional and Enterprise. Bundle discount when combined with other ClearPath products — 15% / 20% / 25% off for 2 / 3 / 4 product bundles.

Trust · Security · Compliance

Built for UK regulated firms.
Audit-grade by default.

Every agent action is logged, explainable, and audit-ready. FCA Consumer Duty by default, MCOB rules baked in, AML obligations handled — every application, every decision, every submission. The same audit trail the FCA will want when they ask.

SOC 2 Type II
Security controls
ISO 27001
Info security
ISO 42001
AI management
GDPR · UK
Data residency
FCA · MCOB
Consumer Duty
AML & KYC
Connected to Comply

Every agent action — affordability read, lender match, suitability decision, document collection, submission, valuation — is captured in an immutable audit trail. Available on demand for FCA review, internal compliance audit, or PII access requests under UK GDPR.

Run UK mortgage origination with AI agents

Mortgages, run by AI agents.
Approved by you.

Ten specialist AI agents. Every stage. For brokers and lenders. On one connected platform. Built for FCA Consumer Duty by default. Live now.

Book a demo → Talk to sales
Brokers: brokers@clearpathlend.app · Lenders: lenders@clearpathlend.app
Book a demo →